Back in mid December, I received a credit line increase on my Capitol One credit card, shortly thereafter I received a letter from Cap One with checks to use to make it easy to use the increase. I did and wrote a check in late december for $1000 to a company. About Jan 24th, I received a letter from Cap One that they had made an error and the credit line increase in December was somehow doubled in error and that they had reduced the credit line - 2 days later I received a notice from the company I had written the check to that it had bounced! I can understand making an error but they should honor committments. I contacted Cap On their "Secure" email many times and all I received was "sorry and tough" replys. I am 60 years Old and have never written a bad check until Cap One came along. I have taken care of the bad check and have also filed complaints with the Attorney General.. All I can say is If you get a increase from Cap One, Never use the checks - they will turn you into a criminal bad check writer!

Account info page on website said "$0 payment due" for July (I checked several times), but then I was hit with a late fee for not making a payment in July. Anyone else had this problem?

I fell victim to a fraud/scam using my capitol one card in the amount of over $15, 000.00. Part of the scam was to have me sign paperwork authorizing the 15K payment. The companies that did this, where shut down by the attorney general of AZ in April of this year, property and cash where confiscated, and perpetrators jailed. (Ref:Bankcard Empire/Leslie Mersky) This was a verified scam operation.

Capitol One would not help recover the monies as they have a different definition of Fraud than what the Card Association uses: "Any situation to where a cardmember has made a purchase due to information which was intentionally misleading or deceptive". Cap One says that since I agreed to the withdrawal by these scam artists, there was no fraud committed. I never recieved any services or money from MRS, and the advertisiing compaign I paid for that these companies suppossedly ran was never done, and the company was shutdown before the campaign could be finished if done anyway. The form I signed, agreeing to the withdrawel of the money, was obviously part of the scam operation, and not legitimate, but Cap One is still holding me responsible for the amount, instead of going after these crooks.

CapOne has created a huge "loophole" in the system for scam artists to operate as in what has happened in this case. If Cap One follows the Card Association rules and regs, then they are in violation of what the Association defines fraud as. This is definitely a fraud claim that Cap One is trying to shirk even though they have the resources and proof I can supply to do so.

I got a charge card who by the way advertises as NO HASSLE! Ha...My interest was 9.9%. I was told it was fixed as long as I made payments on time and didn't default of which I never defaulted or had a late payment. I have had this account 5 years. I get a new bill this month and they raise the interes to 17.95 % on everyone and which also really raised up the minimum payment. I call them, got the run around that they notifed everyone they were doing this and we were given an option to close the account at the present interest rate or pay the interest. Who in their right mind would pay that interest? I told them they had an agreement that it was fixed. The lady said with the new credit card act they can raise it when the APR goes up. She said I could call back and ask for a lower rate in the future??? I said...I am on the phone with you now and want a lower rate. Her response was...well it has to be in the future. If I close the account it goes against your credit, if I pay it it is a terrible ripoff. She said...good credit or not, all customers will be raised to this. So...Capitol One lies about their rates and scams you to join them, then says they reserve the right to raise the interest. Wow...Does that mean I can reserve the right not to pay them??? They make it inpossible in these bad economic times for people to pay them off if they are already struggling. Capitol One..No Hassle?...No Way!

On 10/21/08 I open a 0% interest for 1 year platinum credit card with Capitol One. I paid the minimum balance on the credit card until my October 2009 statement. On October 3rd I called the Capitol One customer service center and inquired when I needed to pay in order to avoid any finance charges and spoke with Sue. I was told that as long as I paid the bill in full before my due date on 10/28/09 I would have no finance charges. I paid my bill on 10/27/09 for the full amount over $4, 000.00.

When I received my November statement I had a finance charge of $31.79. I called and spoke with Madison. I explained my situation which was 1 year with 0% interest and Capitol One charging me interest prior to the year being up. She informed me that she would request a credit but I would still need to pay the bill because the credit would not be applied to my credit card until the next billing statement. I asked to speak with manager because I wanted to avoid making another payment for what I believed to be their error. I was transferred to Pinkie who proceeded to tell me that she would issue the credit but I was charged interest as of 10/1/09 even though the advertisement stated I wouldn't be charged interest for 1 year. Since I opened my account on 10/21/09 and they were charging me interest prior to that date I felt it was false advertising.

Pinkie placed me on hold and when it was picked up next I was speaking to Pauline an account manager. I was not told I was being transferred. I explained the situation again to Pauline who was extremely rude, informed me that they are not allowed to issue credits for finance charges and she didn't know what I was talking about. When I told her about the two previous individuals I spoke with, Madison and Pinkie, she told me she didn't know them but I was misinformed. When I told her about opening my account and being charged finance charges prior to my 1 year date she informed me that in order to avoid finance charges I had to pay two consecutive bills in full which I had not done therefore I was charged and there was nothing she could do for me.

I went back and read the disclosure for the 0% interest accounts and no where is it clearly stated that I must make two consecutive payments in full to avoid finance charges being charged prior to my 1 year. I believe this is shady business practices and I would discourage anyone from doing business with Capitol One.

I have closed my account. I actually asked Pauline to do so in the same conversation where she informed me she didn't know those employees who transferred me and I wouldn't be receiving a credit because I didn't do what I was informed of on the back of my disclosure notice. Hopefully I will not have any additional problems with this company.

I discourage any and every one from doing business with this company. They have very poor customer service relations and they have questionable business practices. It would seem they are notorious for unclear business practices and prey on individuals who are trying to rebuild their credit or are just starting out. There are better, more reputable companies out there. Providian and Citibank is just an example of a companies working for their customer not against them.